LTF Regalia Gold Credit Card Upgrade

133°
Deal Newbie
dealooterz

Hello Dimers,

I currently hold LTF Millenia CC and have been offered LTF Regalia Gold Credit Card Upgrade. I just checked the reward points on this card and they didn't really excite me. Moreover it seemed like a downgrade to me. I am not a very high spender and most of my spends are on Amazon/Flipkart/Myntra for which Millenia already provides flat 5%.

So, I wanted your advice if it's worth upgrading to Regalia Gold.

Thanks

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Top Comments
Helpful Helpful
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@arundass007378 how to achieve 1L per Q? 20K per month is possible as it 1K RPs. what ab balance 40K?
Commentator Commentator
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@mysalemo771

please don't spend/manufacture spends just for the sake of CB/RPs and do it only if you really need, anyways if you are buying gold offline for a lakh then its 1% CB plus 1k voucher so overall 2% CB for gold purchase

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Finance Mentor Finance Mentor
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If not into travel, leave it out....

Deal Cadet Deal Cadet
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@dealooterz is it showing LTF or just regalia gold?
Deal Newbie Deal Newbie
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IMG20240622135316097
Commentator Commentator
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seems there are quite a number of Millennia LTF to Regalia Gold LTF offers sent by HDFC 😃

Deal Newbie Deal Newbie
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Hmm, but should I upgrade 🤔

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Deal Cadet Deal Cadet
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Same for me I got Diners Millenia ltf to Diners Privilege LTF.Since no travel I ignored it.

Critic Critic
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I'm only getting FYF.

Anyway to get it LTF?

Benevolent Benevolent
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last year i got FYF regalia gold upgrade, skipped it.
now got LTF upgrade, will skip this time as well... as millennia is better than RG for my usecase.

Although did not do anything specific, ltf upgrade is pure automatic.
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Helpful Helpful
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I have received similar email for regalia first .although mail says ltf, landing page is showing 0 charges for first year. 

If i go ahead, i might have to fight with them next year.


Generous Generous
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In internet banking, it says Lifetime for you but when I open the link, it's saying FYF, weird

I currently hold Regalia LTF and won't give it up until they offer me Regalia Gold LTF or paid/LTF Diners Club Black/Infinia ... there's no in between

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